3400 Circle Dr, Commerce Township, MI 48382 Property Records

Oakland County property record for 3400 Circle Dr, Commerce Township, MI 48382

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 3,904 sqft · built 1990
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Jun 2011)
Tax Bill	$5,513 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`E-17-16-476-016`

Property Details

APN / Parcel Number

Primary APN	`E-17-16-476-016`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,904 sqft Living Area
1st Floor Area	2,293 sqft
Basement Area	1,893 sqft
Unfinished Basement	1,893 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Lot Area	12,632 sqft (0.29 acres)
View / Lot	Waterfront
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	296 sqft
Deck Area	168 sqft
Patio Area	383 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3400 CIRCLE DR
City	COMMERCE TOWNSHIP
State	MI
Zip	48382-1958
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	KI
Legal Description	T2N, R8E, SEC 16 OAKLAND COUNTY CONDOMINIUM PLAN NO 615 ISLAND CLUB CONDOMINIUM UNIT 13 L 10932 P 785 6-12-89 FR 001, 427-001 & 455-015
Legal Range	08E
Legal Township	02N
Legal Section	01
Legal Subdivision	OAKLAND COUNTY CONDOMINIUM
Legal Unit	13
Jurisdiction	OAKLAND MI
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1023
Census Tract	134300

Owner

Source: Oakland County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3400 CIRCLE DR, COMMERCE TOWNSHIP, MI 48382-1958
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Line of Credit DFCU FINANCIAL
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Nov 19, 2020	Deed of Trust, Mortgage · Line of Credit DFCU FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2011 · Amount on Record
Deed Sale	Jun 13, 2011 · Amount on Record
Deed Document Number	20112266
Deed Book / Page	43130 / 613
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3400 CIRCLE DR, COMMERCE TOWNSHIP, MI 48382-1958
Transaction Type	Mortgage
Record Updated	Sep 2, 2022
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3400 CIRCLE DR, COMMERCE TOWNSHIP, MI 48382-1958

Mortgage

Document Number	0000410884
Date	Jul 8, 2022
Book Page	57931/705
Instrument	410884

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3400 CIRCLE DR, COMMERCE TOWNSHIP, MI 48382-1958
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000150834
Date	Jul 31, 2020
Book Page	54589/142
Instrument	150834

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OAKLAND MI
Property Address	3400 CIRCLE DR, COMMERCE TOWNSHIP, MI 48382-1958
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DFCU TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3400 CIRCLE DR, COMMERCE TOWNSHIP, MI 48382-1958

Mortgage

Document Number	0000245439
Date	Nov 19, 2020
Book Page	55209/441
Instrument	245439

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Oakland County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oakland County
County Subdivision	Commerce Charter Township
Unified School District	Walled Lake Consolidated Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,513.00 (-35.24%) Homeowner's exemption	$478,470 (+8.13%)	$956,940 (+8.13%)
2024	$8,513.00 (+13.75%)
2023		$442,480	$884,960
2021	$7,484.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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